Slide 1: Sustainable long-term value creation for our stakeholders
Sustainable long-term value creation for our stakeholders NN Group N.V. 6 August 2026
Slide 2: Sustainable long-term value creation for our stakeholders
Sustainable long-term value creation for our stakeholders Our purpose We help people care for what matters most to them Our ambition Our strategic commitments We want to be an industry leader, known for our customer engagement, Engaged customers We deliver an outstanding customer and distributor tal
Slide 3: An industry leader, known for customer engagement, talented people and contribution to society
An industry leader, known for customer engagement, talented people and contribution to society NN Group aims to make a real Related SDGs difference by supporting our 18 million customers and contributing Providing relevant products Contributing to the transition to the transition to a sustainable an
Slide 4: Our sustainability journey
Our sustainability journey Responsible Investment Underwriting (RIU) Framework Policy published Responsible Investment Launched ambition to transition Framework Policy published; our proprietary investment Launch of NN Disaster Relief Fund environment and human-rights portfolio to net zero GHG Clima
Slide 5: Proud to engage customers, attract talented people and make a positive contribution to society
Proud to engage customers, attract talented people and make a positive contribution to society Engaged customers Talented people Contribution to society Reduce GHG5 On track On track On track Above market Above benchmark emissions portfolio 56% average NPS-r1 Above Employee engagement Above by 45% b
Slide 6: Our performance is recognised in indices and ratings
Our performance is recognised in indices and ratings A- Included C AAA 16.2 #2 (RI1) Social (range A to D-) (score 4.0 out (prime) (range AAA to (low risk) (out of 21) #132 of 5) CCC) (out of 2000) #5 (Tax2) (out of 116) More information about ESG indices and ratings can be found on our website. 1.
Slide 7: We contribute to the well-being of people and the planet
We contribute to the well-being of people and the planet 1 Our 1 Climate Action 2 Responsible Investment Plan, Ambition and and Biodiversity Own Operational Footprint 7
Slide 8: Climate Action Plan
Climate Action Plan Climate Action Plan1 (CAP) Taking action to achieve our Elements of our approach climate goals • The Climate Action Plan underscores • NN is committed to supporting the • Being an active owner of our investments NN’s commitment to incorporating transition to a low-carbon economy
Slide 9: Aim to achieve net zero GHG emissions across our business
Aim to achieve net zero GHG1 emissions across our business Interim targets and reference objectives2 Ambition Actions 2030 Proprietary Transition proprietary • Reduce financed GHG emissions in residential mortgage portfolio by 34%3 investment investment portfolio • Reduce financed GHG emissions in c
Slide 10: Reducing GHG emissions across our own operations
Reducing GHG emissions across our own operations Decarbonisation targets and reduction progress Decarbonisation levers • Ambition to reach net zero across our own operations by 2040 Phase out fossil fuels in our operations by • Interim GHG emissions reduction targets: 35% in 2025 and 70% in 2030 ele
Slide 11: We contribute to the well-being of people and the planet
We contribute to the well-being of people and the planet 1 Our Climate Action 2 Responsible Investment Plan, Ambition and and Biodiversity Own Operational Footprint 11
Slide 12: Actively engaging to achieve positive change
Actively engaging to achieve positive change Responsible Investment Active Ownership Restriction: a measure of last resort Framework Policy • Direct and collaborative engagement • NN Group's norms-based RI criteria: a • The Responsible Investment Framework Policy undertaken by NN Group, external ass
Slide 13: Our approach to transitioning our proprietary investment portfolio to net zero GHG emissions by 2050
Our approach to transitioning our proprietary investment portfolio to net zero GHG emissions by 2050 Decarbonisation of proprietary investment portfolio Increasing investments in climate solutions • Asset class-specific Paris-alignment strategies across corporate • Investments in renewable energy, e
Slide 14: Net zero strategy for proprietary asset portfolio
Net zero strategy for proprietary asset portfolio Reference objectives per asset class Investments in climate solutions2 (30 June 2026) • Corporate investments1: decarbonisation reference objective: 45% GHG reduction by 2030 (vs. 2021) 1% 17% • Residential mortgages: decarbonisation reference object
Slide 15: Steps in biodiversity – from investments to underwriting
Steps in biodiversity – from investments to underwriting Biodiversity approach for our 2030 ambitions for our proprietary Biodiversity in underwriting and proprietary investment portfolio corporate investments products & services • NN Group committed to the Finance for • Set time-bound ambitions in
Slide 16: We contribute to the well-being of people and the planet
We contribute to the well-being of people and the planet 1 Customers 1 2 Talented People Providing relevant products and services to 1 support customers through the challenges of today and tomorrow 3 Community 1 Investment 16
Slide 17: Access to products and services that help customers address societal challenges
Access to products and services that help customers address societal challenges Environmental Social • Sending claims to our sustainable repair network: Directs all retail • Lower barriers to healthcare: Improve access through partnerships like claims to repairers within our sustainable repair netwo
Slide 18: Providing an excellent customer experience
Providing an excellent customer experience Customer needs shape the Innovating our business while Data privacy and protection customer experience adding value for our customers • Data Protection Officers at HQ and BUs monitor GDPR¹ compliance • Our customers are the starting point of • Use digital c
Slide 19: We contribute to the well-being of people and the planet
We contribute to the well-being of people and the planet 1 Customers 2 Talented People Fostering an inclusive and inspiring culture that 1 supports continuous learning and collaboration in which employees can thrive 3 Community 1 Investment 19
Slide 20: Attracting, developing and retaining engaged employees
Attracting, developing and retaining engaged employees Employee value proposition Diversity, Equity, and Inclusion Optimising employee engagement • We care for what matters most. Guided by • Raised awareness on DEI through Women’s • An engagement score of 8.0 which is above our values—care, clear, c
Slide 21: We contribute to the well-being of people and the planet
We contribute to the well-being of people and the planet 1 Customers 2 Talented People 3 Community Investment 1 Being a good corporate citizen and contributing to the communities in which we live and operate 21
Slide 22: Positive impact in our communities
Positive impact in our communities Target: Support the financial, physical and/or mental well- Progress being of 2.5 million people by 20281 On target and ambitions Philosophy: By staying close to who we are, what we value and by focusing on themes aligned with our 1.66M business, we can increase th
Slide 23: Governance
Governance 1 Governance 1 2 Responsible Tax Sustainability is embedded throughout the 1 organisation and governance structure 23
Slide 24: Sustainability is embedded in our governance
Sustainability is embedded in our governance 24
Slide 25: Strong corporate governance framework
Strong corporate governance framework NN Group has a two-tier board structure Supervisory Board Supervisory Board Responsible for supervising the management performed by the David Cole (NL/US) Pauline van der Executive Board and the general course of affairs of NN Group Chair Meer Mohr (NL)¹ and its
Slide 26: Experienced and diverse Management Board
Experienced and diverse Management Board • Strong Management Board with the required skills and experience Management Board • Average experience in the financial sector of over 20 years David Knibbe (NL) Annemiek van Chief Executive Officer 1 Melick (NL) • Diverse representation is promoted in our b
Slide 27: ESG is integrated into executive remuneration
ESG is integrated into executive remuneration Remuneration principles ESG is integrated in objective setting Committed to closely monitor the • Supporting sustainable long-term value creation • Annual target setting for senior leaders evolves development of NN’s CEO pay ratio by using performance ob
Slide 28: Governance
Governance 1 Governance 1 2 Responsible Tax We are committed to being a responsible 1 taxpayer 28
Slide 29: Strong commitment to responsible tax behaviour
Strong commitment to responsible tax behaviour Positive contributor to society Transparency and governance Our commitment has been • Acting according to the letter and the spirit of • Transparent about tax approach and tax consistently recognised the law and regulations of the countries in positions
Slide 30: More information
More information 30
Slide 31: More information
More information Sustainability at NN Group Memberships and endorsements1 • Taking climate action: link • Responsible investment: link • Our approach to tax: link • Sustainable business operations: link • Sustainability governance, stakeholders, memberships and endorsements: link • Sustainability ra
Slide 32: Important legal information
Important legal information NN Group’s Consolidated Annual Accounts are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (“IFRS-EU”) and with Part 9 of Book 2 of the Dutch Civil Code. In preparing the financial information in this document, the
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